Yamaha 1300 Tourer - The Yamaha 1300 Tourer Fansite

Hello Kevin ~ Here in Northern Minnesota I have both my Jeep and Camry, my house, and my motorcycle insured through American Family. The rate alone for my motorcycle which is full coverage plus coverage for the add on's is 255 dollars a year. It is one hundred dollars more than what I paid for my 2004 650 Silverado. To insure all that own, the bike, cars and house the cost is 2500 dollars a year. That may sound reasonable, however I always thought having all my things insured under one company would entitle me to discounts, which show up on statements that I get. I have not compared my complete coverage costs with anyone else who is insuring the same things, who should also be living rurally, who should also be the same age as I am. My main complaint is that when the housing industry went bust about 4 months ago Insurance companies knew about defaults long before anything was on the news. That was last January through February. At that time I was notified by my Insurance company that I was to be re evaluted. It took 7 months of mailings I received before some gal showed up to take pictures of my home and "surroundings". Two weeks later I received a letter, rather formally stating that my rates were going to be adjusted according to my Credit Score via one of the three Credit Reporting Agencies here in the USA. As instructed I ordered my Credit Report and did not find anything wrong with anything. So I wrote letters to my agent and to the company inquiring. There was no immeadiate reply. So I called the main company headquarters and asked why my rates were going to increase. The lady said that my report had too much "Activity". Because I had sold my previous home, moved to another area 42 miles from where I lived before I lost the OPT OUT situation and became prey to insurance companies, mortgage brokers, and all sorts of places that use credit reports to determin if a person is a reasonable risk to try to contact to sell them insurance, or a home equity line of credit etc. I went ballistic, but remained a gentleman and wrote some lengthy letters protesting Insurance Companies deciding peoples costs of insurances based upon a Credit Score. About 5 to 7 years ago our Government passed a bill that allows Insurance companies to do this. This is wrong, it is discrimination, it is sad. With so much of what we hear today about identity theft we are at the mercy of our county and State governments selling our names to anybody who wants them when we buy new license tabs, apply for a marriage license, or sell and buy a new home. When we ask a government official if they do this they just say that our names are a matter of public record. Nomatter where we live we can't hide from Insurance companies, because it is mandatory to have insurance. Insurance companies are not regulated as to how or what information they use to come up with our own insurance rates. Insurance companies are in the real estate business as well. Because the bust stuck them with losses they are trying to have us policy holders bail them out for their poor investments. Screw that. It is time we revolt. Insurance companies are supposed to work for us, not the other way around. It is these same kind of "Spark Plug" investigators, snoops, and "reporting agencies" that lobby against what kinds of exhaust we may wish to put on our scooters, and even place curfews as to when motorcyles have to be off the roads at night. Yup that is coming too. Insurance companies are powerful, too powerful. Compared to government, Insurance companies are more powerful.... powerful enough to endorse candidates to win seats in high places. When stuff hits the fan they sell interests to foreign investors, so our money doesnt' stay at home anymore. It might be very possible that some middle eastern person owns your mortgage. When we do have a claim the companies don't want to pay, then they wish to increase premiums.... even if they don't pay a claim. Since my conversations with the Am Fam Corporate Headquarters I have received a notice from the "underwriters" that my rates are not going to increase. They know I am vocal. I have also been sent ballots to vote on CEO's, and yesterday received a questionalre about my insurance satisfaction from J.D Powers and Associates. I did that online and I did enter permission for them to share information with my insurance company. I stand a chance of being dropped for what I have said, and it will be very difficult for me to get insurance because insurance companies share information between themselves when it comes to someone rebelling. I feel that my insurance premiums are protecting the interests of the Insurance Company and not me. It is time to turn that around. Sorry my answer had to be this lengthy..... but I am tired, getting older and all I want to do is mind my own business and ride my scooter not being afraid if my insurance company is going to pay or not if my wife and I bang it up. There is no assurance with insurance anymore. ~ Butch

I think that's a good deal and I'm going to ask my dealer if he can make the same offer. Frankly, I doubt it, considering his current prices. My dealer also installs OEM accessories bought from him free, but not after market adds-ons. I wish he sold a mud flap for the front fender that required no drilling.
Capt J